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Find answers to common questions here.
Like with all insurance, whether it be for your car or even your phone, it’s put in place to protect us so we’re not out of pocket if something happens. Life insurance is there to provide your family with a financial safety net should the worst happen.
It can be confusing trying to work out just how much cover you may need. It’s best to consider what the money might be used for – covering your mortgage/rent, the cost of a funeral? There’s no need to worry though, our friendly advisors will be there to talk you through the best options for your budget & needs.
The cost of your life insurance will depend on a variety of factors such as how much cover you want, how long you want it for & your age/health/smoking status. Our team will work with you to find something that fits your needs & budget.
The main factor when considering whether life insurance is worthwhile is whether another person will suffer a financial loss upon your death. Will family members be able to make mortgage payments and pay household expenses? If you have a joint mortgage with a partner, does that person depend on your income to help repay the mortgage? Regardless of your age, if someone relies on you for financial support, it is wise to purchase a life insurance policy.
As a rule of thumb, term life insurance provides financial cover against death for a set period. In contrast, whole of life cover provides lifetime coverage. Our website provides detailed information regarding each type of policy.
You should think carefully about how long you need cover for. Some people decide to get life insurance to cover the length of a mortgage term; say, 25 years, while others think about how long their children will be financially dependent on them. Ultimately, it’s a personal decision and you should factor in your family’s unique circumstances.
Policy Guru is a trading name of Digital Roo Ltd. www.policyguru.co.uk is a website solely used for marketing and no advice is provided directly from this site. Policy Guru introduces you to a suitable Partner that can help give you individual advice and match you to the right solution for your personal circumstances, we are paid a fee for the introduction.
Please note life insurance products attract terms and conditions based on personal circumstances. Price information contained within this website are for illustration purposes only. You will receive a full policy document upon application which will set out the terms, conditions and limitations of cover provided under the plan.
There may be a fee for insurance advice only if you decide to proceed. Calls may be recorded for training purposes. The advisor may charge a fee.
Nothing on this website constitutes financial advice. However, we do look to match you with the right financial advice so you can speak to a qualified financial advisor. This website provides information only, and the choice of product is for you alone to choose. As an introducer we process the information you provide us and we may pass this onto our trusted third party lenders and brokers. All credit is subject to you being a UK resident, aged 18 or over and subject to your personal circumstances. All lenders operate responsible lending policies and as such credit is subject to status and affordability.
Digital Roo Ltd is an Introducer Appointed Representative of Your Mortgage People Ltd, Financial Conduct Authority (FCA) Reference Number: 685250
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Contact: hello@policyguru.co.uk